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Car insurance is a legal requirement if you want to drive on public roads in the UK. In Gloucester, you have to look at a number of factors to get the cheapest car insurance for your car. Where you live and your driving history matter a lot. It is good to compare quotes from different companies. This can help you get the most from your insurance policy and not pay any extra additional costs.

What’s the Average Cost of Car Insurance in Gloucester?

Gloucester is in South West England. This part of the UK is known for some of the lowest car insurance costs. People in this area often find good deals on their car insurance premiums. There is not as much traffic here. The risk of theft is low, and there are fewer claims than in bigger UK cities. This makes Gloucester a good place for people looking for car insurance in the UK.

Region: South West England covers several UK postcodes. These include BA, BH, BS, DT, EX, GL, PL, SN, SP, TA, TQ, and TR. The average premium here is £608.36. This is lower than the UK national average of £834.00.

Factor Gloucester Avg UK National Avg
Annual Premium £608.36 £834.00
Monthly Payments £50.70/month £69.50/month
Young Driver (age 20) £1,772 £2,000
Over 50s Driver £305 £600

Quotes from Free Price Compare and ABI data. This is right for the first part of 2024.

Gloucester Car Insurance by Postcode

Your postcode can change how much you pay for insurance each year. This is because of things like past claims in the area, the number of stolen cars, and how busy the roads are in that part. Here is what you can see in Gloucester:

Postcode Area Typical Annual Premium
GL1 £700
GL2 £685
GL3 £675
GL4 £665
GL19 £660

Quotes from Free Price Compare are right as of 15 May 2025.

What Types of Cover Can You Choose?

Gloucester drivers have many options when it comes to choosing a range of insurance types.

  • Third party – This is the minimum level of coverage. It will pay if there is an injury to other people or damage to their cars.
  • Third party, fire and theft – This will give more than the minimum level of coverage. It covers if there is fire damage to your car or if there is a theft.
  • Comprehensive cover – This one gives the most help. It protects your vehicle against more things. It pays for damage from a collision accident, vandalisation, and also covers you if you are at fault.

Each type of insurance gives you a different level of cover and a different price. Third party is the least you need to have by law. But, comprehensive cover may be better for many people. It gives you more help with replacement costs. It also helps if an uninsured driver hits your car.

What Types of Cover Can You Choose

What Affects the Cost of Your Car Insurance?

The cost of your car insurance in Gloucester can change based on many things. There are a lot of factors that go into the cost of your car insurance, and where you live is just one part of it.

  • The type of vehicle you drive and the group it falls into for car insurance is important.
  • Your driving record, any claims you have made, and if you have been in a collision accident are checked.
  • They will see where you keep your car at night.
  • You can pay your car insurance with a single lump sum or choose monthly direct debit.
  • Adding a named driver or choosing limited cover can change what you pay.
  • The car insurance renewal date is important. A car insurance renewal date check helps you not pay more if you renew too late.

Even small things can make a difference, like the number of miles you drive each year and the kind of work you do. These things can change the quote you get.

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How Much Do Young Drivers Pay for Car Insurance in Gloucester?

Young drivers in Gloucester often pay more for car insurance because they do not have a lot of practice on the road. If you choose a car that people think is low-risk, it can help bring down the amount you pay.

Car Model Typical Premium (Age 20, GL1)
Toyota Aygo (2021) £1,770
Ford Fiesta (2019) £1,750
Peugeot 108 (2020) £1,735

Quotes from Free Price Compare are right as of 20 May 2025.

Optional Add-ons That Provide Extra Protection

Many insurance companies offer extras that you can add to your plan. These extras help you feel safe. But if you choose any of them, your premiums will also go up.

Optional Add-ons That Provide Extra Protection
  • Legal cover – This pays for some solicitor fees if you have a crash that is not your fault.
  • Breakdown cover – UK breakdown services will come and help if your vehicle stops working.
  • Uninsured driver protection – This helps you get your money back if a driver without insurance hits you.
  • Windscreen cover – This pays to fix cracks or chips in your windscreen.
  • Courtesy car – You get a car to use while yours is being fixed.
  • Personal injury cover – You get paid if you have a big injury.

These extras can be good to add if you want full cover. You will not have to worry about the cost of a potentially huge repair.

Is My Gloucester Insurer Regulated?

All insurance companies and brokers in the UK need to have approval from the Financial Conduct Authority (FCA). This is to make sure that:

  • Your personal information is safe with us.
  • All claims are looked at in a fair and open way.
  • The products are explained with clear words and the right papers.
  • You get the right pricing and good financial advice when you need it.

If you get a policy from an insurer or a broker that is not on the FCA register, you may have a policy that is not valid.

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How to Compare Gloucester Car Insurance

To get accurate and competitive quotes:

  1. You need to put in your personal information and the registration number of the car.
  2. Next, pick the types of cover you want and any extras you feel you need.
  3. If you are moving from another provider, you can see a renewal quote.
  4. Compare the results from the top UK car insurance companies.
  5. Choose the cheapest car insurance policy that still gives you the right protection.

FAQs About Gloucester Car Insurance

Yes. In Gloucester, you will find that insurance prices are often £100 to £150 lower than the UK average. This is true if you live in places with postcodes like GL3 and GL19.

Yes. If you choose to pay the full amount at one time as a single lump sum, you can bring down the total cost. You can also spend less if you pick a higher voluntary excess.

Prices often drop around three or four weeks before your car insurance renewal date. If you look up your car insurance renewal date early, you may get lower quotes for your car insurance.

Legal cover is not something you must have, but it can help you a lot if you are in a collision accident. It helps you with the costs that come after this. You can also use it when you want to claim damages.

All big UK insurance companies that offer plans in Gloucester must have approval from the FCA. You need to check for this before you buy any policy.

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Page last updated on: 17/07/2025

Page reviewed by: Shay Ramani

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